I've been conducting consumer research in banking for a number of years now, and while it's certainly debatable whether I've learned anything or not, I would argue that I have learned one thing: There IS such a thing as a stupid question when it comes to market research.

If you drive without a license, you can be fined. If you practice medicine without a license, you can be fined. You should be fined for misusing statistics without a license. The fines could pay down the US debt.

There is no killer app to get Americans to save more. But banks are just not doing enough to help their customers manage their money and their spending habits--and that's the real key to driving savings.